Just Say No to Debit

I know it's part of human nature and a whole industry is built on debit. But if you have the choice and ability, say no to debit. Credit is all one needs. It's good that someone is actually saying, "I trust u to pay me back later". Am i looking at this wrong. Debt is good. America was founded on debt. It owed $ mucho to France (which supposedly their king lost his head to...) If u owe $ (as long as u make the payments), your debtors have an incentive to see u survive. Our forefathers knew this, and so should u!!

Opinion on demo accts?

I had this idea to give each new employee a demo acct as part of the on-boarding process. They can configure it to their liking and not interfere with other user's testing states. Would there be any misgivings to this idea? The only thing I can think of is that it may be miscontrued with a real account. Then I figure each new employee can be given a unique code identifier like lm101507 to denote a company test acct? Let me know your opinions?